The REI Credit Card foreign transaction fee is 0%. This means you won't be subject to an additional charge whenever you use the REI Credit Card outside of the United States. Whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant, you won't have to pay extra.

To learn more, refer to our guide on foreign transaction fees and our editors' picks for the best credit cards without foreign fees.

The REI Credit Card  * credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the REI Credit Card  *.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the REI Credit Card  *, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and...

In order to use your REI Credit Card chip, you insert your card in the reader and leave it there for several seconds. It may be slower compared to using the magnetic stripe on your credit card, but it provides better protection against fraud. The chip simply improves the security of your account by making your card harder to copy.

You can learn more about chip-and-PIN vs. chip-and-signature credit cards here.

Yes, the bank reports your REI Credit Card activity to the three main credit bureaus: Equifax, Experian, and TransUnion.

Reporting is usually done once every 30 days, the exact date corresponding to a specific point in your billing cycle.

With the REI Credit Card cell phone insurance, you can be reimbursed for damage or theft of an eligible cellphone when you pay your monthly cellphone bill with your card REI Credit Card.

Your coverage is up to $800 per claim, 2 claims per year, with a $50 deductible, up to $1,000 per 12-month period. Coverage begins the first day of the calendar month after you make a payment.

The REI Credit card price protection plan provides reimbursement if a card purchase experiences a price drop within 120 days of purchase.

You must pay for that purchase with your REI credit card entirely. To submit a claim, simply call 877-734-6060.

The REI Credit Card  * doesn't have a 0% APR offer.

If you're looking for a credit card offering 0% APR for both purchases and balance transfers, check out the Citi® Diamond Preferred® Card or the Wells Fargo Platinum card instead.

The REI Credit Card trip cancellation policy provides reimbursement for your non-refundable payments to a common carrier if a covered trip is canceled due to a covered loss.

So, if you cancel your trip prior to departure, you will receive a check for the dividend amount 4-6 weeks later.

Exclusions apply, so for additional information please call 800-622-2236.

The REI credit card includes rental car insurance. It pays for covered damages (physical damage and theft) to a rental vehicle if you use your card to pay for the rental.

You can find the full terms here.